Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
This is handle on the law, marginal legal advice where
I tell you you have absolutely no case.
Speaker 2 (00:07):
Okay, this is a really good one.
Speaker 3 (00:12):
Now.
Speaker 2 (00:12):
I talk about insurance fraud all the time.
Speaker 1 (00:16):
And it's one of those things where people on the
show asked me, can I do this?
Speaker 2 (00:21):
Can I do that? I go, no, that's fraud.
Speaker 1 (00:24):
Or I do stories about fraud going against insurance companies.
And I also tell you insurance companies are they're pretty good,
pretty sophisticated. I mean, it's not their first rodeo when
someone wants to defraud the insurance company. This one is
a butte. I love this stories here in California. Matter
(00:46):
of fact, it's local here in California, and matter of fact,
it's about ten miles from here the studio where this happened.
So there are three insurance claims involving a bear damaging
some cars in California. Okay, So four LA residents were
(01:07):
arrested as part of this insurance fraud. And this happened
on at least three occasions. So you have two SUTs,
or you have the suspects.
Speaker 2 (01:19):
And I'm not gonna give you their names because it
impossible pronounce them.
Speaker 1 (01:23):
And they have been charged criminally with insurance fraud and conspiracy,
and the California Department Insurance immediately began investigating these insurance
fraud issues because here is what they argued, in three
different occasions, or on three different occasions, a bear broke
(01:47):
into their car and.
Speaker 2 (01:49):
Destroy the interior of the car.
Speaker 1 (01:52):
Here's my insurance claim, one of them being a twenty
ten rolls Royce ghost and that was Carrowhead, which is
a resort up in the mountains, causing extensive interior damage.
And they even provided video. Look at this, we have
video of the bear doing this inside of our car.
Speaker 2 (02:15):
So yep, there's the video.
Speaker 1 (02:17):
And it's some kind of a furry creature rooting around
inside the vehicle. But it doesn't take a genius looking
at this even half carefully that the bear is someone
in a bear costume.
Speaker 2 (02:36):
Now this gets even better.
Speaker 1 (02:38):
To confirm it wasn't an actual bear, they bring in
a biologist from the California Department of Fish and Wildlife
looks at the footage and goes, yep, this is someone
in a bear costume that's causing this damage. And I'm
looking at a photo of the bear costume and I
(03:00):
know when as bears have claws. Well, have you ever
seen those claw type of forks that you use for barbecues,
and they grab the meat that's on the grill, and
they have four or five tongs that stick out and
you sort of hold them. Each of those are the
(03:21):
bear claws on each of the paws, and it is
clearly a bear costume. Now, obviously these are three very sophisticated,
sophisticated fraudsters.
Speaker 2 (03:36):
And I'll tell you who's going to really enjoy this.
Speaker 1 (03:39):
Whatever judge hears this is going to be talking about
this for the rest of his or her life, literally
upon retirement forty years from now.
Speaker 2 (03:50):
Let me tell you what happened. Forty years ago.
Speaker 1 (03:53):
These three clowns came up and in a bear costume.
Speaker 2 (03:58):
On and on and on. Get a story. All right,
let's hit some phone calls. Kate, You've been.
Speaker 1 (04:05):
Sitting there and I know the way I'm going to
answer this, so I'm going to give it to you,
even though I'm going to answer it the way everybody knows.
Speaker 2 (04:12):
What can I do for you?
Speaker 4 (04:14):
Okay, So this just happened within the last two weeks,
so I don't know if that's important or not, but
we own a travel trailer and we were in the
process of selling it. The fridge that worked in the
summer wouldn't work, so my husband called out a mobile
RV Tex, who we had previously used a few years ago,
had no issues. Rb Tech lives in the same city
as we do. He said, Oh, I'm on my way home.
Speaker 5 (04:35):
I'll stop by. He did.
Speaker 4 (04:37):
The panel to the fridge is on the outside of
the trailer, so my husband is watching him as he's working.
He broke the fuse. As he removed the fuse, he said,
it would either be the cause of the trailer of
the cause of the fridge not working is either the
fuse or it could be a circuit panel, or it
could be this, or it could be that. He said,
I'll come back tomorrow, and he said I have to.
(05:00):
I have to get the parts, so I'll get what
I need. Husband stayed home all day Thursday, all day Friday,
stayed by the phone. He didn't come or make contact.
Husband text him Friday PM to see if he was
coming Saturday because our buyers at the trailer were going
to come Saturday see if the fridge was working. He
said he didn't, so he did not come or make
(05:21):
contact with us Saturday or Sunday Monday of this week.
We texted him early in the morning, close to nine.
Good morning, hope you're okay. Can you please contact us
If you're too busy, let me know and I'll move
on to another service tech. I hope you're okay. No
contact from him, so we we call someone else.
Speaker 1 (05:42):
Okay, all right, So now what happened, by the way,
that could have been done in fifteen seconds.
Speaker 2 (05:46):
Okay, what happened?
Speaker 4 (05:48):
Sorry?
Speaker 2 (05:49):
What's up next?
Speaker 4 (05:49):
So he sends us a text the next day parts
will be returned, will send bill for service call and diagnosis?
What am I? I'll pigated to pay him?
Speaker 2 (06:01):
What do you think?
Speaker 6 (06:03):
I think?
Speaker 4 (06:03):
Maybe for his service call coming out? And that's it?
Speaker 2 (06:06):
Okay, I wouldn't even do that.
Speaker 1 (06:09):
Okay, you know, just say no, sue me and say here.
So he says you just well, claims court for service
call seventy five one hundred hundred and twenty five bucks
whatever he charges you go, Hey, three days my husband
sat over here. I'd sue him. Did your husband take
off from work?
Speaker 7 (06:29):
No?
Speaker 5 (06:29):
Okay?
Speaker 2 (06:30):
So you know what's it worth?
Speaker 1 (06:31):
Sitting by the phone for three days not being able
to go any place? Yeah, yeah, just say no, you know,
and see what happens. Boy, that was worth the phone call,
wasn't it. I knew that was way, but she was
waiting for over an hour? So you know what do
you do with that? That's me being a decent guy. Wow,
you know what, I'm running a temperature. Clearly I have
(06:53):
to get a thermometer or something's wrong with me this morning. Hello, Paul,
Go ahead, Paul, Morning Bill thing, Hello, good, go ahead.
Speaker 3 (07:02):
I wonder if I have an agism claim. My close
friend was recently laid off from her job. She is
in her sixties, she's a longtime employee, very fairly senior
in the organization. Come to find out that they're going
to be replacing her with someone half her age who
used to report to her, and the reason for the
(07:22):
layoff was not performance based.
Speaker 2 (07:24):
Yeah, well here's the problem.
Speaker 1 (07:26):
Those are her superiors saying, you know what, we don't
like the way she works anymore. And the law in
California is pretty clear. She can be fired for any reason.
She can be fired for no reason. Now you can
argue that, but agism elder discrimination, age discrimination is getting
(07:49):
weaker and weaker. Overriding that is, you know, California is
right to work state. You know, you can get fired
for any reason whatsoever. And here is the problem. They're
going to argue, you know what, we don't like the
way she works. And she could say, oh no, no,
it's only agism, and I can prove it. And how
(08:11):
does she prove that they don't like her or they're
unhappy with her, or for some reason they're just you know,
she no longer you know.
Speaker 2 (08:21):
Fits what the company wants. Very very difficult.
Speaker 3 (08:26):
Really, yeah, I agree, they said. I listened on the
call and they gave her the good news and they
said that it was not performance space, that it was
due to a quote unquote restructuring.
Speaker 2 (08:38):
Yeah, and okay, so they're restructuring.
Speaker 1 (08:40):
Yeah, And you know the problem is unless they you
can prove it was only because she was in her sixties,
no other reason than you have an argument. And just
you know, people come in all the time, they bring in.
Speaker 2 (08:56):
People who are cheaper.
Speaker 1 (08:57):
For example, I'm assuming that whoever came in that was
half her age came in for less money.
Speaker 3 (09:02):
Correct, unlikely? Yes, for sure.
Speaker 1 (09:06):
Okay, So there their argument is we want to save money.
That's why we let her go. Nothing to do with
her age. We just want to save money. Okay, what
do you do with that? No, you don't want to
save money. That's not your reason. What do you mean
that's not our reason? That's exactly the reason. How does
she prove that that is not the reason? You know,
(09:27):
I'll tell you what you're thinking.
Speaker 2 (09:29):
You can't do that.
Speaker 1 (09:30):
So, Nah, that doesn't go any place. Unfortunately it doesn't.
Speaker 2 (09:37):
Gary, Hi, Gary.
Speaker 8 (09:41):
Yes, Hello, Yes, about about eighteen years ago, roughly, my
daughter bought purchased a house and I co signed for
the low. Now on the in term, she's going to divorce,
some psychological problem.
Speaker 9 (09:58):
There's nothing extreme.
Speaker 10 (09:59):
But the bottom online is she's also without knowing, without
telling me about it. Ha's added another one hundred thousand
dollars to the loan, starting at three to fifty. Now
now almost twenty years later.
Speaker 8 (10:12):
The loan it's still at three fifty, three hundred and
fifty thousand because of the extra loan.
Speaker 5 (10:17):
No, well, concern no.
Speaker 1 (10:19):
Just she can add all the loans she wants. You're
not responsible for any of that. All you're reponsible for
is what you signed on for.
Speaker 10 (10:28):
Okay, that's good, that's good news. Secondly, yeah, go ahead, Secondly,
my second question is is there is it possible for
me to get out of the responsibility for this loan?
Speaker 3 (10:42):
No?
Speaker 1 (10:43):
No, I mean there is, But why would the loan
company do that? God, because you're talking about basically on
the called lovation. So here you do, you go to
your lunk, the loan company go, hey, I want off it,
even though she's adding mortgages to it. And that's what
and that's less of an issue about or that's more
of an issue of her not being able to pay all
(11:03):
the mortgages.
Speaker 2 (11:06):
So it's even they're going to put you on even more,
they're going to look to you. So the answer is no, and.
Speaker 1 (11:13):
You got it in the more mortgages she puts on,
the less it's likely she's going to be able to
pay all of them. When did she take out the loan,
by the way, the second loan, this this other loan.
Speaker 8 (11:25):
When you're asking, yeah, how long.
Speaker 2 (11:27):
Ago, months ago, years ago, when did she do it?
Speaker 10 (11:29):
I I'm not quite sure. I would say within about
five years ago.
Speaker 2 (11:34):
Oh five years ago?
Speaker 1 (11:35):
All right, Yeah, you're not going to get off the loan,
and you're only responsible for the part that you co
sign on. But that's never any good news. You got
to be a little careful about that co signing. But
fifteen years ago, it's your kid, you know. I can't
get you know, too upset about that. So I'm going
to give you a pass on that one. I'm not
going to yell at you and scream and say what
(11:56):
are you doing co signing on.
Speaker 2 (11:57):
Loans et cetera. All right, I don't talk to you
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Speaker 1 (12:01):
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this because so many records are stolen online and we
are so vulnerable how our online identity is I mean,
(12:25):
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Speaker 7 (13:22):
Hi Mary, Hi Bill.
Speaker 2 (13:25):
Yes, ma'am.
Speaker 6 (13:27):
I am paying spousal support, okay, and I've been paying
for about two years and I'm in the medical field,
so I make decent money. My ex husben in court
was asking for eighteen hundred a month, ended up getting
five hundred a month. And I plan to retire hopefully
(13:51):
in two years. But my attorney at the time said,
you probably should go ahead and pay it because if
you want to appeal it, they're going to ask for
your payroll records for the last two years.
Speaker 1 (14:05):
Hold on, man, let me ask you appealing it two
years after the order is given.
Speaker 4 (14:11):
No. No.
Speaker 6 (14:12):
At the time that the oh.
Speaker 2 (14:14):
I see he told you not.
Speaker 1 (14:15):
He told you don't appeal it, okay, and instead pay
the five hundred dollars.
Speaker 2 (14:18):
All right, that makes sense. Yeah, less reasonable advice.
Speaker 6 (14:22):
So because I make quite a bit.
Speaker 1 (14:24):
More, No, I understand clearly that's spousal support. How long
are you to pay spousal support to your X till
he dies? Oh, because you were married for quite a while, I'm.
Speaker 6 (14:34):
Assuming thirteen years.
Speaker 2 (14:37):
I don't think life, and it's lifetime support.
Speaker 6 (14:42):
Yeah.
Speaker 1 (14:42):
Wow, that's a that's a big one. Okay, So what's
your question.
Speaker 6 (14:46):
Mary, how do I stop the Yeah.
Speaker 1 (14:50):
There's a couple of there's a couple of different ways
of stopping spousal support. The more complicated, time consuming, expense
way is to go into court and argue a change
of circumstance or even Yeah, you'd probably have to wait
(15:11):
until your income goes down because it's a little late
to appeal it.
Speaker 2 (15:14):
Five hundred dollars isn't very much, by the way, in
the realm of things. How much money do you earn?
Speaker 9 (15:20):
Mary?
Speaker 6 (15:20):
Can I ask, oh, about one hundred and sixty to
one hundred and seventy five, okay.
Speaker 2 (15:27):
And you're only taking five hundred dollars a month.
Speaker 1 (15:29):
I got to tell you you're getting away for almost
nothing here, just to let you know. So one of
them is to stop because of whatever legal theory you
have or your lawyer has, is to go in.
Speaker 2 (15:42):
Ex expensive hiring a lawyer. It takes time. The other way,
which is a much simpler way, is simply to kill him.
Now that is a little problematic because you know there's
some consequences there. But those are the two. Those are
the two, you know.
Speaker 1 (15:57):
And five hundred dollars, I mean that's cheap, you know,
based on one hundred and fifty and seventy thousand dollars
a year.
Speaker 2 (16:03):
Wow, that's really inexpensive.
Speaker 1 (16:06):
Dan, Hi Dan, welcome, Hi, Hi Bill.
Speaker 9 (16:10):
Hey, I have a question. I was mountain biking on
a mountain bike trail that's it's actually marked for hikers
and bikers. I came around the corner and ran into
a hiker. He had to go to the er. He
had to spend the night to get some ceti bands.
(16:31):
So there, they want me to pay about thirteen hundred
dollars in medical fees. I plan on paying just out
of good faith, but I'm curious if I refuse to
do they have a case and you know, what would
the likelihood be that they would win or wouldn't?
Speaker 1 (16:51):
Yeah, okay, well let me ask you. You're turning the
corner and you hit a hiker on a path that
says hikers are going to be here and as well
as mountain bikes.
Speaker 2 (17:06):
Why would you not be responsible or why would you
not be at fault?
Speaker 5 (17:13):
Well, it's marked for hikers and bikers.
Speaker 1 (17:15):
No, I understand, No, I understand, they share it. And
you turn the corner and you hit him. So what
is he supposed to do? Is he supposed to know
that you're coming by, that he's got that you're turning
the corner and you're gonna hit him. Should he walk
backwards to make sure he can jump out of the way?
Speaker 9 (17:35):
Couldn't I make the same argument?
Speaker 3 (17:37):
How should I know that he's supposed to be there?
Speaker 1 (17:39):
Because you're turning a corner and you're the one that's
moving and you're looking ahead and yeah, and you and
you're on a bike and you hit him.
Speaker 2 (17:50):
Yes, first of all, good for you for paying the bill.
Speaker 1 (17:54):
Second of all, legally you are responsible for paying the bill.
And if he were to take you to court small
claims court, he would win. But you know what, you're
ahead of the game because you've decided to pay it.
Speaker 2 (18:07):
Well, which is good news. Good news.
Speaker 1 (18:10):
Johnny, Hi, Johnny, Hey, yeah yeah me.
Speaker 7 (18:16):
Guy goes to a bar, calls the tow truck driver.
Speaker 2 (18:18):
Oh yeah, yeah, yeah, yeah yeah. So all right, so
repeat what happened to you?
Speaker 3 (18:23):
Well, I needed tow service and I was at the
bar and I was hoping to get my car towed
home and said he called the police and I got
arrested for duy.
Speaker 2 (18:30):
Yeah, you said tough luck. Yeah, I did say.
Speaker 1 (18:34):
It was tough luck because you walked out the door
and the cops showed up.
Speaker 2 (18:40):
And did they give you a sobriety test?
Speaker 1 (18:42):
Did they question you or just throw a handcuffs on
you and drag you off?
Speaker 3 (18:47):
Well, I wasn't. I was I never drove the vehicle.
Speaker 9 (18:49):
I was just sitting in there.
Speaker 2 (18:50):
It was okay, but they.
Speaker 1 (18:52):
Did they see, here's the problem if you're in the
car that's effectively driving.
Speaker 3 (18:58):
Yeah, I realized that, But that's that's not what I'm after.
Speaker 9 (19:00):
I'm after the tot truck.
Speaker 3 (19:01):
Driver that I called and he called the cops.
Speaker 2 (19:04):
I mean, I think that was a conflict of interest
in a racket.
Speaker 1 (19:06):
Okay, all right, So you think that, now, what what
do you.
Speaker 2 (19:10):
How do you prove that?
Speaker 9 (19:11):
Do you think I could?
Speaker 5 (19:13):
Uh?
Speaker 3 (19:13):
Well, I think a judge.
Speaker 10 (19:14):
Is he like, well he called you?
Speaker 3 (19:16):
Had he not called you?
Speaker 7 (19:17):
Yeah?
Speaker 1 (19:17):
And he said he call you and he says, I
thought he was drunk, and I call the cops.
Speaker 5 (19:22):
How can you?
Speaker 11 (19:23):
Well, I wasn't even driving the car, so it doesn't matter.
Speaker 1 (19:26):
Does he say it's still I've seen a lot of drivers.
I thought he was drunk.
Speaker 9 (19:30):
So if I call an uber when I'm waiting for
an uber and I'm drunk, do they call the police?
Speaker 3 (19:34):
I'm for being drunk in public?
Speaker 2 (19:35):
H yeah? Wow, not cool? Not right? Absolutely?
Speaker 1 (19:41):
Uh yeah, you call an uber when you're drunk? Yeah, sure,
they can call the cops, and it's up to the
cops to determine yea or nay. It's not that complicated. Okay, John,
you're up. Welcome Yeah, John boom? Yeah, Bill, Hi, Yes, sir.
Speaker 5 (20:02):
So, my father recently passed away left me some money.
I left it with his financial investor. Everything's fine. And
now in the business where I have cash, I have
about thirty seven thousand dollars in cash. Okay, how do
(20:23):
I get that money to that insurance.
Speaker 1 (20:28):
Well, okay, first of all, where did that cash come from?
Speaker 5 (20:34):
My business?
Speaker 1 (20:36):
Okay, did you declare that cash or is it cash
that you did not? So basically, you have you're on
cash and you I have.
Speaker 5 (20:46):
I have cash under my mattress.
Speaker 2 (20:49):
Yeah, no, I understand me. I understand. So now you
don't you throw it at him with cash. And there's
a couple of things you can do.
Speaker 1 (20:57):
You can give me a dollar and you're argument when
let's say he contacts the IRS or somehow the IRS.
Speaker 2 (21:05):
Figures out where do this cash come from?
Speaker 1 (21:07):
Which I don't think they're going to And you say,
I've been saving this over the years.
Speaker 2 (21:12):
This is twenty years of savings. I just believe in cash.
Thirty seven.
Speaker 5 (21:16):
I'm sorry, How do I get it to him?
Speaker 1 (21:20):
You hand it to him, You hand it to him,
or you put it, you put it in the bank away.
Then you then what you do is if it's over
ten thousand dollars I think, or that's just withdrawal. You
know the IRS is going to definitely be looking at it.
Speaker 2 (21:37):
Uh, And if not, you don't just do it. Do
it over the big deal.
Speaker 1 (21:41):
So you do it over the course of five months,
and you do it six thousand dollars at a time.
Speaker 11 (21:47):
You know, you.
Speaker 1 (21:48):
Do it over thirty thousand, you do it over a year,
and you're talking three thousand dollars at a time.
Speaker 5 (21:54):
So do I deposit that money into my bank account?
Speaker 2 (21:56):
And then sure I deposit cash? Sure?
Speaker 1 (22:00):
Sure, And you tell them I decided I'm going to
invest this money now if you haven't declared it.
Speaker 2 (22:07):
And by the way, here's the problem.
Speaker 1 (22:10):
We have a lot of IRS agents who listen to
this show and they can track down this number. And
you have just admitted that you are not paying taxes
and you want to defraud the IRS. But that's not
a worry, okay yo, Michelle Yellow, Yeah, hello, yes, ma'am.
Speaker 7 (22:30):
Last April. Last April, our daughter was in a car
accident on this Sacramento Freeway. She was rear ended, her
car was damaged and she did sustain a neck injury
and spine injury. The police were summoned. The other driver
was as one hundred percent liability. There are witnesses at
(22:54):
the time. Our daughter did not have car insurance because
her credit card expired on that was connected to her
auto renewal for her policy. So she did receive a
ticket for no car insurance, and she corrected that. My
question is does the fact that she didn't have car
insurance at the time of the accident affect her claim?
Speaker 2 (23:16):
Oh, you know, I used to know that.
Speaker 1 (23:21):
Oh god, you got me on that one. It does
affect it, but I don't know if it's just property
damage or personal injury. Yeah, you're talking about the claim
from the other driver, of course, and the other driver
had car insurance.
Speaker 2 (23:37):
Correct, Yes, okay, you can, Yeah, I think you can.
You know, try submitting.
Speaker 1 (23:45):
And you know, Frankly asks a great question, and you
know I have one of those mind blocks you ever
had mind blocks over the answer and you go, oh,
I know that answer, but I just forgot it and
not lovely. By the way, we do have lines, so
I want to share that with you because uh, you know,
we only have one or two phone calls up, and
(24:06):
you know you don't want to do what I'm going
to do very closely, you know what, Let's just go
ahead and do it because with and this is very
rarely does this happen to me? And I was full born.
Now we don't what I do when. Uh. And for
those of you that are just tuning in or never
listening before welcome, And for those of you that have
listened to the show, you know what I'm about to
(24:26):
do when calls are not coming in and I'm looking.
Speaker 2 (24:31):
For calls because this is a caller driven show, as
you know.
Speaker 1 (24:34):
I mean, I can't do this show without you calling
in and asking a question.
Speaker 2 (24:38):
I play or Jacob plays this song baby check, baby
check baby sick.
Speaker 1 (24:51):
And we do have several minutes to go until the
end of the hour, so uh, let's just sit back.
Speaker 2 (24:57):
And enjoy h one of.
Speaker 1 (25:01):
The most joyful songs or pieces of music out there.
Speaker 2 (25:05):
This is better than they took it.
Speaker 1 (25:07):
Shot Do Do Do Do Do Gama, Shot.
Speaker 2 (25:11):
Doo Do Do Do Doo doo, Shot doo doo. Your
head's gonna explode, isn't this?
Speaker 1 (25:16):
Yeah, I'm shot Yeah, shplo.
Speaker 9 (25:20):
Ahead, ground far short, Okay, I'm you go ahead.
Speaker 2 (25:24):
And uh takes the call.
Speaker 1 (25:25):
By the way, the number is eight hundred five to
zero one five three four h Roland, Hi, Roland, welcome.
Speaker 11 (25:33):
Hi, Yeah, yeah, Roland, Yes, yes, it is people taking
this call.
Speaker 3 (25:36):
Sure.
Speaker 2 (25:36):
Where are you from, Roland?
Speaker 5 (25:38):
Yeah? And I'm from m from where.
Speaker 2 (25:44):
Burma? Oh? When when did it?
Speaker 1 (25:46):
When did it become when did it stop being Berman
and it's me and R or myn R. And now
you're saying Burma.
Speaker 11 (25:52):
M yeah, oh yeah, Pop, I always say about ten
twenty years ago.
Speaker 2 (25:58):
Oh and you know, and you still call yourself Permes.
All right. My dad did that. Yeah, my dad did that.
Speaker 1 (26:05):
From He was from Yugoslavia and until the day he died,
he called it Yugoslavia, even though Yugoslavia.
Speaker 2 (26:11):
Never existed again.
Speaker 1 (26:12):
All right, So Roland, what can I do for you?
Speaker 3 (26:15):
You know that.
Speaker 11 (26:17):
The company my neighbos was stolen, you know, was heck
and someone stole you know, there's some two checks, you know,
one is twenty nine, the other one is eleven.
Speaker 5 (26:29):
Wow, the company check.
Speaker 11 (26:31):
And what happened is that they went to cash it.
You know, we did not know this that, you know,
we thought it was a check. They haven't paid it,
so we called the company.
Speaker 5 (26:40):
Do you really catch it?
Speaker 3 (26:41):
Okay, That's how.
Speaker 11 (26:42):
I know that happened, and we call We noticed that
the chair was cash at the ben America by someone
fraudulent of us. She needs to.
Speaker 1 (26:52):
Okay and cash I'm sorry you had to tell me that.
Where was it cash rolling?
Speaker 11 (26:59):
Uh?
Speaker 3 (27:00):
Been?
Speaker 2 (27:00):
Not mariicon, Oh, Bank of America.
Speaker 1 (27:02):
Okay, so someone cash your check at Bank of America.
Was that it was on their account and they just
walked in. Did they just sign it? Did they take
cash out? Did they transfer the money?
Speaker 2 (27:14):
How do they do that?
Speaker 11 (27:16):
And I have no idea.
Speaker 2 (27:17):
Okay, here's what you have to do, Roland. The first
thing you have to do is to go to the
bank that cash the check.
Speaker 11 (27:24):
And you say this, we want there and we also
fight a complain of fraud department.
Speaker 1 (27:30):
I know, but you want to get Yeah, that's fine,
but that's only going after the fraudsters. That doesn't help you. Uh,
you have to you have to go through the bank system,
you know, getting a lawyer and going through it is crazy.
You can't sue anybody because, uh, these are the bad guys,
and if they're stealing your money, there's nothing there to
go after. Civil civil judgment means nothing. You have to
(27:51):
go through the banks involved and go through their fraud department.
Speaker 2 (27:55):
It happens all the time. There's no other.
Speaker 1 (27:56):
Choice to do that, all right, Zelman's minti Mouthman's which
I've been telling you about for months and months, of
which I am heavily involved in because they're friends of mine.
Speaker 2 (28:06):
There's my little pack of Zelmans. These mouth mints, which
are far more than a mint.
Speaker 1 (28:12):
They work not only in your mouth the MINTI part,
but also when the mint has gone from the capsule,
you swallow it or you bite into it, and the
parsley seed oil gets to work in your gut.
Speaker 2 (28:22):
I mean, this stuff really works.
Speaker 1 (28:24):
They are doing something that I have not seen before
with Zelman's. If you order a three pack, you will
get a bonus pack. In other words, order three, you
get another one for free, so four for.
Speaker 2 (28:37):
The price of three.
Speaker 1 (28:40):
And how you do that is you go to Zelmans
dot com z l m i n s dot com
slash handle Zelmans dot com slash handle z l m
i n s and you'll have a chance to use these.
And by the way, you order a three pack, you'll
get four, and you're gonna.
Speaker 2 (28:58):
Go through these. You'll order again. They are that good.
Speaker 1 (29:01):
Zelmans dot com slash handle This is handle on the
law
This is handle on the law, marginal legal advice where
I tell you you have absolutely no case.
Speaker 2 (00:07):
Okay, this is a really good one.
Speaker 3 (00:12):
Now.
Speaker 2 (00:12):
I talk about insurance fraud all the time.
Speaker 1 (00:16):
And it's one of those things where people on the
show asked me, can I do this?
Speaker 2 (00:21):
Can I do that? I go, no, that's fraud.
Speaker 1 (00:24):
Or I do stories about fraud going against insurance companies.
And I also tell you insurance companies are they're pretty good,
pretty sophisticated. I mean, it's not their first rodeo when
someone wants to defraud the insurance company. This one is
a butte. I love this stories here in California. Matter
(00:46):
of fact, it's local here in California, and matter of fact,
it's about ten miles from here the studio where this happened.
So there are three insurance claims involving a bear damaging
some cars in California. Okay, So four LA residents were
(01:07):
arrested as part of this insurance fraud. And this happened
on at least three occasions. So you have two SUTs,
or you have the suspects.
Speaker 2 (01:19):
And I'm not gonna give you their names because it
impossible pronounce them.
Speaker 1 (01:23):
And they have been charged criminally with insurance fraud and conspiracy,
and the California Department Insurance immediately began investigating these insurance
fraud issues because here is what they argued, in three
different occasions, or on three different occasions, a bear broke
(01:47):
into their car and.
Speaker 2 (01:49):
Destroy the interior of the car.
Speaker 1 (01:52):
Here's my insurance claim, one of them being a twenty
ten rolls Royce ghost and that was Carrowhead, which is
a resort up in the mountains, causing extensive interior damage.
And they even provided video. Look at this, we have
video of the bear doing this inside of our car.
Speaker 2 (02:15):
So yep, there's the video.
Speaker 1 (02:17):
And it's some kind of a furry creature rooting around
inside the vehicle. But it doesn't take a genius looking
at this even half carefully that the bear is someone
in a bear costume.
Speaker 2 (02:36):
Now this gets even better.
Speaker 1 (02:38):
To confirm it wasn't an actual bear, they bring in
a biologist from the California Department of Fish and Wildlife
looks at the footage and goes, yep, this is someone
in a bear costume that's causing this damage. And I'm
looking at a photo of the bear costume and I
(03:00):
know when as bears have claws. Well, have you ever
seen those claw type of forks that you use for barbecues,
and they grab the meat that's on the grill, and
they have four or five tongs that stick out and
you sort of hold them. Each of those are the
(03:21):
bear claws on each of the paws, and it is
clearly a bear costume. Now, obviously these are three very sophisticated,
sophisticated fraudsters.
Speaker 2 (03:36):
And I'll tell you who's going to really enjoy this.
Speaker 1 (03:39):
Whatever judge hears this is going to be talking about
this for the rest of his or her life, literally
upon retirement forty years from now.
Speaker 2 (03:50):
Let me tell you what happened. Forty years ago.
Speaker 1 (03:53):
These three clowns came up and in a bear costume.
Speaker 2 (03:58):
On and on and on. Get a story. All right,
let's hit some phone calls. Kate, You've been.
Speaker 1 (04:05):
Sitting there and I know the way I'm going to
answer this, so I'm going to give it to you,
even though I'm going to answer it the way everybody knows.
Speaker 2 (04:12):
What can I do for you?
Speaker 4 (04:14):
Okay, So this just happened within the last two weeks,
so I don't know if that's important or not, but
we own a travel trailer and we were in the
process of selling it. The fridge that worked in the
summer wouldn't work, so my husband called out a mobile
RV Tex, who we had previously used a few years ago,
had no issues. Rb Tech lives in the same city
as we do. He said, Oh, I'm on my way home.
Speaker 5 (04:35):
I'll stop by. He did.
Speaker 4 (04:37):
The panel to the fridge is on the outside of
the trailer, so my husband is watching him as he's working.
He broke the fuse. As he removed the fuse, he said,
it would either be the cause of the trailer of
the cause of the fridge not working is either the
fuse or it could be a circuit panel, or it
could be this, or it could be that. He said,
I'll come back tomorrow, and he said I have to.
(05:00):
I have to get the parts, so I'll get what
I need. Husband stayed home all day Thursday, all day Friday,
stayed by the phone. He didn't come or make contact.
Husband text him Friday PM to see if he was
coming Saturday because our buyers at the trailer were going
to come Saturday see if the fridge was working. He
said he didn't, so he did not come or make
(05:21):
contact with us Saturday or Sunday Monday of this week.
We texted him early in the morning, close to nine.
Good morning, hope you're okay. Can you please contact us
If you're too busy, let me know and I'll move
on to another service tech. I hope you're okay. No
contact from him, so we we call someone else.
Speaker 1 (05:42):
Okay, all right, So now what happened, by the way,
that could have been done in fifteen seconds.
Speaker 2 (05:46):
Okay, what happened?
Speaker 4 (05:48):
Sorry?
Speaker 2 (05:49):
What's up next?
Speaker 4 (05:49):
So he sends us a text the next day parts
will be returned, will send bill for service call and diagnosis?
What am I? I'll pigated to pay him?
Speaker 2 (06:01):
What do you think?
Speaker 6 (06:03):
I think?
Speaker 4 (06:03):
Maybe for his service call coming out? And that's it?
Speaker 2 (06:06):
Okay, I wouldn't even do that.
Speaker 1 (06:09):
Okay, you know, just say no, sue me and say here.
So he says you just well, claims court for service
call seventy five one hundred hundred and twenty five bucks
whatever he charges you go, Hey, three days my husband
sat over here. I'd sue him. Did your husband take
off from work?
Speaker 7 (06:29):
No?
Speaker 5 (06:29):
Okay?
Speaker 2 (06:30):
So you know what's it worth?
Speaker 1 (06:31):
Sitting by the phone for three days not being able
to go any place? Yeah, yeah, just say no, you know,
and see what happens. Boy, that was worth the phone call,
wasn't it. I knew that was way, but she was
waiting for over an hour? So you know what do
you do with that? That's me being a decent guy. Wow,
you know what, I'm running a temperature. Clearly I have
(06:53):
to get a thermometer or something's wrong with me this morning. Hello, Paul,
Go ahead, Paul, Morning Bill thing, Hello, good, go ahead.
Speaker 3 (07:02):
I wonder if I have an agism claim. My close
friend was recently laid off from her job. She is
in her sixties, she's a longtime employee, very fairly senior
in the organization. Come to find out that they're going
to be replacing her with someone half her age who
used to report to her, and the reason for the
(07:22):
layoff was not performance based.
Speaker 2 (07:24):
Yeah, well here's the problem.
Speaker 1 (07:26):
Those are her superiors saying, you know what, we don't
like the way she works anymore. And the law in
California is pretty clear. She can be fired for any reason.
She can be fired for no reason. Now you can
argue that, but agism elder discrimination, age discrimination is getting
(07:49):
weaker and weaker. Overriding that is, you know, California is
right to work state. You know, you can get fired
for any reason whatsoever. And here is the problem. They're
going to argue, you know what, we don't like the
way she works. And she could say, oh no, no,
it's only agism, and I can prove it. And how
(08:11):
does she prove that they don't like her or they're
unhappy with her, or for some reason they're just you know,
she no longer you know.
Speaker 2 (08:21):
Fits what the company wants. Very very difficult.
Speaker 3 (08:26):
Really, yeah, I agree, they said. I listened on the
call and they gave her the good news and they
said that it was not performance space, that it was
due to a quote unquote restructuring.
Speaker 2 (08:38):
Yeah, and okay, so they're restructuring.
Speaker 1 (08:40):
Yeah, And you know the problem is unless they you
can prove it was only because she was in her sixties,
no other reason than you have an argument. And just
you know, people come in all the time, they bring in.
Speaker 2 (08:56):
People who are cheaper.
Speaker 1 (08:57):
For example, I'm assuming that whoever came in that was
half her age came in for less money.
Speaker 3 (09:02):
Correct, unlikely? Yes, for sure.
Speaker 1 (09:06):
Okay, So there their argument is we want to save money.
That's why we let her go. Nothing to do with
her age. We just want to save money. Okay, what
do you do with that? No, you don't want to
save money. That's not your reason. What do you mean
that's not our reason? That's exactly the reason. How does
she prove that that is not the reason? You know,
(09:27):
I'll tell you what you're thinking.
Speaker 2 (09:29):
You can't do that.
Speaker 1 (09:30):
So, Nah, that doesn't go any place. Unfortunately it doesn't.
Speaker 2 (09:37):
Gary, Hi, Gary.
Speaker 8 (09:41):
Yes, Hello, Yes, about about eighteen years ago, roughly, my
daughter bought purchased a house and I co signed for
the low. Now on the in term, she's going to divorce,
some psychological problem.
Speaker 9 (09:58):
There's nothing extreme.
Speaker 10 (09:59):
But the bottom online is she's also without knowing, without
telling me about it. Ha's added another one hundred thousand
dollars to the loan, starting at three to fifty. Now
now almost twenty years later.
Speaker 8 (10:12):
The loan it's still at three fifty, three hundred and
fifty thousand because of the extra loan.
Speaker 5 (10:17):
No, well, concern no.
Speaker 1 (10:19):
Just she can add all the loans she wants. You're
not responsible for any of that. All you're reponsible for
is what you signed on for.
Speaker 10 (10:28):
Okay, that's good, that's good news. Secondly, yeah, go ahead, Secondly,
my second question is is there is it possible for
me to get out of the responsibility for this loan?
Speaker 3 (10:42):
No?
Speaker 1 (10:43):
No, I mean there is, But why would the loan
company do that? God, because you're talking about basically on
the called lovation. So here you do, you go to
your lunk, the loan company go, hey, I want off it,
even though she's adding mortgages to it. And that's what
and that's less of an issue about or that's more
of an issue of her not being able to pay all
(11:03):
the mortgages.
Speaker 2 (11:06):
So it's even they're going to put you on even more,
they're going to look to you. So the answer is no, and.
Speaker 1 (11:13):
You got it in the more mortgages she puts on,
the less it's likely she's going to be able to
pay all of them. When did she take out the loan,
by the way, the second loan, this this other loan.
Speaker 8 (11:25):
When you're asking, yeah, how long.
Speaker 2 (11:27):
Ago, months ago, years ago, when did she do it?
Speaker 10 (11:29):
I I'm not quite sure. I would say within about
five years ago.
Speaker 2 (11:34):
Oh five years ago?
Speaker 1 (11:35):
All right, Yeah, you're not going to get off the loan,
and you're only responsible for the part that you co
sign on. But that's never any good news. You got
to be a little careful about that co signing. But
fifteen years ago, it's your kid, you know. I can't
get you know, too upset about that. So I'm going
to give you a pass on that one. I'm not
going to yell at you and scream and say what
(11:56):
are you doing co signing on.
Speaker 2 (11:57):
Loans et cetera. All right, I don't talk to you
about data breaches.
Speaker 1 (12:01):
Recently, there was a data breach that was oh astronomical.
Two point seven billion records were stolen by cyber hackers
from a company known as National Public Data, and they
provide background checks to employers. You don't even know about
this because so many records are stolen online and we
are so vulnerable how our online identity is I mean,
(12:25):
we have zero control over how well our identity is protected,
especially by third party companies like National Public Data. So
understanding how cybercrime and identity theft works, well you sort
of have to. So let me suggest protecting yourself with LifeLock.
What LifeLock does is monitor millions of data points every
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(12:48):
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Speaker 7 (13:22):
Hi Mary, Hi Bill.
Speaker 2 (13:25):
Yes, ma'am.
Speaker 6 (13:27):
I am paying spousal support, okay, and I've been paying
for about two years and I'm in the medical field,
so I make decent money. My ex husben in court
was asking for eighteen hundred a month, ended up getting
five hundred a month. And I plan to retire hopefully
(13:51):
in two years. But my attorney at the time said,
you probably should go ahead and pay it because if
you want to appeal it, they're going to ask for
your payroll records for the last two years.
Speaker 1 (14:05):
Hold on, man, let me ask you appealing it two
years after the order is given.
Speaker 4 (14:11):
No. No.
Speaker 6 (14:12):
At the time that the oh.
Speaker 2 (14:14):
I see he told you not.
Speaker 1 (14:15):
He told you don't appeal it, okay, and instead pay
the five hundred dollars.
Speaker 2 (14:18):
All right, that makes sense. Yeah, less reasonable advice.
Speaker 6 (14:22):
So because I make quite a bit.
Speaker 1 (14:24):
More, No, I understand clearly that's spousal support. How long
are you to pay spousal support to your X till
he dies? Oh, because you were married for quite a while, I'm.
Speaker 6 (14:34):
Assuming thirteen years.
Speaker 2 (14:37):
I don't think life, and it's lifetime support.
Speaker 6 (14:42):
Yeah.
Speaker 1 (14:42):
Wow, that's a that's a big one. Okay, So what's
your question.
Speaker 6 (14:46):
Mary, how do I stop the Yeah.
Speaker 1 (14:50):
There's a couple of there's a couple of different ways
of stopping spousal support. The more complicated, time consuming, expense
way is to go into court and argue a change
of circumstance or even Yeah, you'd probably have to wait
(15:11):
until your income goes down because it's a little late
to appeal it.
Speaker 2 (15:14):
Five hundred dollars isn't very much, by the way, in
the realm of things. How much money do you earn?
Speaker 9 (15:20):
Mary?
Speaker 6 (15:20):
Can I ask, oh, about one hundred and sixty to
one hundred and seventy five, okay.
Speaker 2 (15:27):
And you're only taking five hundred dollars a month.
Speaker 1 (15:29):
I got to tell you you're getting away for almost
nothing here, just to let you know. So one of
them is to stop because of whatever legal theory you
have or your lawyer has, is to go in.
Speaker 2 (15:42):
Ex expensive hiring a lawyer. It takes time. The other way,
which is a much simpler way, is simply to kill him.
Now that is a little problematic because you know there's
some consequences there. But those are the two. Those are
the two, you know.
Speaker 1 (15:57):
And five hundred dollars, I mean that's cheap, you know,
based on one hundred and fifty and seventy thousand dollars
a year.
Speaker 2 (16:03):
Wow, that's really inexpensive.
Speaker 1 (16:06):
Dan, Hi Dan, welcome, Hi, Hi Bill.
Speaker 9 (16:10):
Hey, I have a question. I was mountain biking on
a mountain bike trail that's it's actually marked for hikers
and bikers. I came around the corner and ran into
a hiker. He had to go to the er. He
had to spend the night to get some ceti bands.
(16:31):
So there, they want me to pay about thirteen hundred
dollars in medical fees. I plan on paying just out
of good faith, but I'm curious if I refuse to
do they have a case and you know, what would
the likelihood be that they would win or wouldn't?
Speaker 1 (16:51):
Yeah, okay, well let me ask you. You're turning the
corner and you hit a hiker on a path that
says hikers are going to be here and as well
as mountain bikes.
Speaker 2 (17:06):
Why would you not be responsible or why would you
not be at fault?
Speaker 5 (17:13):
Well, it's marked for hikers and bikers.
Speaker 1 (17:15):
No, I understand, No, I understand, they share it. And
you turn the corner and you hit him. So what
is he supposed to do? Is he supposed to know
that you're coming by, that he's got that you're turning
the corner and you're gonna hit him. Should he walk
backwards to make sure he can jump out of the way?
Speaker 9 (17:35):
Couldn't I make the same argument?
Speaker 3 (17:37):
How should I know that he's supposed to be there?
Speaker 1 (17:39):
Because you're turning a corner and you're the one that's
moving and you're looking ahead and yeah, and you and
you're on a bike and you hit him.
Speaker 2 (17:50):
Yes, first of all, good for you for paying the bill.
Speaker 1 (17:54):
Second of all, legally you are responsible for paying the bill.
And if he were to take you to court small
claims court, he would win. But you know what, you're
ahead of the game because you've decided to pay it.
Speaker 2 (18:07):
Well, which is good news. Good news.
Speaker 1 (18:10):
Johnny, Hi, Johnny, Hey, yeah yeah me.
Speaker 7 (18:16):
Guy goes to a bar, calls the tow truck driver.
Speaker 2 (18:18):
Oh yeah, yeah, yeah, yeah yeah. So all right, so
repeat what happened to you?
Speaker 3 (18:23):
Well, I needed tow service and I was at the
bar and I was hoping to get my car towed
home and said he called the police and I got
arrested for duy.
Speaker 2 (18:30):
Yeah, you said tough luck. Yeah, I did say.
Speaker 1 (18:34):
It was tough luck because you walked out the door
and the cops showed up.
Speaker 2 (18:40):
And did they give you a sobriety test?
Speaker 1 (18:42):
Did they question you or just throw a handcuffs on
you and drag you off?
Speaker 3 (18:47):
Well, I wasn't. I was I never drove the vehicle.
Speaker 9 (18:49):
I was just sitting in there.
Speaker 2 (18:50):
It was okay, but they.
Speaker 1 (18:52):
Did they see, here's the problem if you're in the
car that's effectively driving.
Speaker 3 (18:58):
Yeah, I realized that, But that's that's not what I'm after.
Speaker 9 (19:00):
I'm after the tot truck.
Speaker 3 (19:01):
Driver that I called and he called the cops.
Speaker 2 (19:04):
I mean, I think that was a conflict of interest
in a racket.
Speaker 1 (19:06):
Okay, all right, So you think that, now, what what
do you.
Speaker 2 (19:10):
How do you prove that?
Speaker 9 (19:11):
Do you think I could?
Speaker 5 (19:13):
Uh?
Speaker 3 (19:13):
Well, I think a judge.
Speaker 10 (19:14):
Is he like, well he called you?
Speaker 3 (19:16):
Had he not called you?
Speaker 7 (19:17):
Yeah?
Speaker 1 (19:17):
And he said he call you and he says, I
thought he was drunk, and I call the cops.
Speaker 5 (19:22):
How can you?
Speaker 11 (19:23):
Well, I wasn't even driving the car, so it doesn't matter.
Speaker 1 (19:26):
Does he say it's still I've seen a lot of drivers.
I thought he was drunk.
Speaker 9 (19:30):
So if I call an uber when I'm waiting for
an uber and I'm drunk, do they call the police?
Speaker 3 (19:34):
I'm for being drunk in public?
Speaker 2 (19:35):
H yeah? Wow, not cool? Not right? Absolutely?
Speaker 1 (19:41):
Uh yeah, you call an uber when you're drunk? Yeah, sure,
they can call the cops, and it's up to the
cops to determine yea or nay. It's not that complicated. Okay, John,
you're up. Welcome Yeah, John boom? Yeah, Bill, Hi, Yes, sir.
Speaker 5 (20:02):
So, my father recently passed away left me some money.
I left it with his financial investor. Everything's fine. And
now in the business where I have cash, I have
about thirty seven thousand dollars in cash. Okay, how do
(20:23):
I get that money to that insurance.
Speaker 1 (20:28):
Well, okay, first of all, where did that cash come from?
Speaker 5 (20:34):
My business?
Speaker 1 (20:36):
Okay, did you declare that cash or is it cash
that you did not? So basically, you have you're on
cash and you I have.
Speaker 5 (20:46):
I have cash under my mattress.
Speaker 2 (20:49):
Yeah, no, I understand me. I understand. So now you
don't you throw it at him with cash. And there's
a couple of things you can do.
Speaker 1 (20:57):
You can give me a dollar and you're argument when
let's say he contacts the IRS or somehow the IRS.
Speaker 2 (21:05):
Figures out where do this cash come from?
Speaker 1 (21:07):
Which I don't think they're going to And you say,
I've been saving this over the years.
Speaker 2 (21:12):
This is twenty years of savings. I just believe in cash.
Thirty seven.
Speaker 5 (21:16):
I'm sorry, How do I get it to him?
Speaker 1 (21:20):
You hand it to him, You hand it to him,
or you put it, you put it in the bank away.
Then you then what you do is if it's over
ten thousand dollars I think, or that's just withdrawal. You
know the IRS is going to definitely be looking at it.
Speaker 2 (21:37):
Uh, And if not, you don't just do it. Do
it over the big deal.
Speaker 1 (21:41):
So you do it over the course of five months,
and you do it six thousand dollars at a time.
Speaker 11 (21:47):
You know, you.
Speaker 1 (21:48):
Do it over thirty thousand, you do it over a year,
and you're talking three thousand dollars at a time.
Speaker 5 (21:54):
So do I deposit that money into my bank account?
Speaker 2 (21:56):
And then sure I deposit cash? Sure?
Speaker 1 (22:00):
Sure, And you tell them I decided I'm going to
invest this money now if you haven't declared it.
Speaker 2 (22:07):
And by the way, here's the problem.
Speaker 1 (22:10):
We have a lot of IRS agents who listen to
this show and they can track down this number. And
you have just admitted that you are not paying taxes
and you want to defraud the IRS. But that's not
a worry, okay yo, Michelle Yellow, Yeah, hello, yes, ma'am.
Speaker 7 (22:30):
Last April. Last April, our daughter was in a car
accident on this Sacramento Freeway. She was rear ended, her
car was damaged and she did sustain a neck injury
and spine injury. The police were summoned. The other driver
was as one hundred percent liability. There are witnesses at
(22:54):
the time. Our daughter did not have car insurance because
her credit card expired on that was connected to her
auto renewal for her policy. So she did receive a
ticket for no car insurance, and she corrected that. My
question is does the fact that she didn't have car
insurance at the time of the accident affect her claim?
Speaker 2 (23:16):
Oh, you know, I used to know that.
Speaker 1 (23:21):
Oh god, you got me on that one. It does
affect it, but I don't know if it's just property
damage or personal injury. Yeah, you're talking about the claim
from the other driver, of course, and the other driver
had car insurance.
Speaker 2 (23:37):
Correct, Yes, okay, you can, Yeah, I think you can.
You know, try submitting.
Speaker 1 (23:45):
And you know, Frankly asks a great question, and you
know I have one of those mind blocks you ever
had mind blocks over the answer and you go, oh,
I know that answer, but I just forgot it and
not lovely. By the way, we do have lines, so
I want to share that with you because uh, you know,
we only have one or two phone calls up, and
(24:06):
you know you don't want to do what I'm going
to do very closely, you know what, Let's just go
ahead and do it because with and this is very
rarely does this happen to me? And I was full born.
Now we don't what I do when. Uh. And for
those of you that are just tuning in or never
listening before welcome, And for those of you that have
listened to the show, you know what I'm about to
(24:26):
do when calls are not coming in and I'm looking.
Speaker 2 (24:31):
For calls because this is a caller driven show, as
you know.
Speaker 1 (24:34):
I mean, I can't do this show without you calling
in and asking a question.
Speaker 2 (24:38):
I play or Jacob plays this song baby check, baby
check baby sick.
Speaker 1 (24:51):
And we do have several minutes to go until the
end of the hour, so uh, let's just sit back.
Speaker 2 (24:57):
And enjoy h one of.
Speaker 1 (25:01):
The most joyful songs or pieces of music out there.
Speaker 2 (25:05):
This is better than they took it.
Speaker 1 (25:07):
Shot Do Do Do Do Do Gama, Shot.
Speaker 2 (25:11):
Doo Do Do Do Doo doo, Shot doo doo. Your
head's gonna explode, isn't this?
Speaker 1 (25:16):
Yeah, I'm shot Yeah, shplo.
Speaker 9 (25:20):
Ahead, ground far short, Okay, I'm you go ahead.
Speaker 2 (25:24):
And uh takes the call.
Speaker 1 (25:25):
By the way, the number is eight hundred five to
zero one five three four h Roland, Hi, Roland, welcome.
Speaker 11 (25:33):
Hi, Yeah, yeah, Roland, Yes, yes, it is people taking
this call.
Speaker 3 (25:36):
Sure.
Speaker 2 (25:36):
Where are you from, Roland?
Speaker 5 (25:38):
Yeah? And I'm from m from where.
Speaker 2 (25:44):
Burma? Oh? When when did it?
Speaker 1 (25:46):
When did it become when did it stop being Berman
and it's me and R or myn R. And now
you're saying Burma.
Speaker 11 (25:52):
M yeah, oh yeah, Pop, I always say about ten
twenty years ago.
Speaker 2 (25:58):
Oh and you know, and you still call yourself Permes.
All right. My dad did that. Yeah, my dad did that.
Speaker 1 (26:05):
From He was from Yugoslavia and until the day he died,
he called it Yugoslavia, even though Yugoslavia.
Speaker 2 (26:11):
Never existed again.
Speaker 1 (26:12):
All right, So Roland, what can I do for you?
Speaker 3 (26:15):
You know that.
Speaker 11 (26:17):
The company my neighbos was stolen, you know, was heck
and someone stole you know, there's some two checks, you know,
one is twenty nine, the other one is eleven.
Speaker 5 (26:29):
Wow, the company check.
Speaker 11 (26:31):
And what happened is that they went to cash it.
You know, we did not know this that, you know,
we thought it was a check. They haven't paid it,
so we called the company.
Speaker 5 (26:40):
Do you really catch it?
Speaker 3 (26:41):
Okay, That's how.
Speaker 11 (26:42):
I know that happened, and we call We noticed that
the chair was cash at the ben America by someone
fraudulent of us. She needs to.
Speaker 1 (26:52):
Okay and cash I'm sorry you had to tell me that.
Where was it cash rolling?
Speaker 11 (26:59):
Uh?
Speaker 3 (27:00):
Been?
Speaker 2 (27:00):
Not mariicon, Oh, Bank of America.
Speaker 1 (27:02):
Okay, so someone cash your check at Bank of America.
Was that it was on their account and they just
walked in. Did they just sign it? Did they take
cash out? Did they transfer the money?
Speaker 2 (27:14):
How do they do that?
Speaker 11 (27:16):
And I have no idea.
Speaker 2 (27:17):
Okay, here's what you have to do, Roland. The first
thing you have to do is to go to the
bank that cash the check.
Speaker 11 (27:24):
And you say this, we want there and we also
fight a complain of fraud department.
Speaker 1 (27:30):
I know, but you want to get Yeah, that's fine,
but that's only going after the fraudsters. That doesn't help you. Uh,
you have to you have to go through the bank system,
you know, getting a lawyer and going through it is crazy.
You can't sue anybody because, uh, these are the bad guys,
and if they're stealing your money, there's nothing there to
go after. Civil civil judgment means nothing. You have to
(27:51):
go through the banks involved and go through their fraud department.
Speaker 2 (27:55):
It happens all the time. There's no other.
Speaker 1 (27:56):
Choice to do that, all right, Zelman's minti Mouthman's which
I've been telling you about for months and months, of
which I am heavily involved in because they're friends of mine.
Speaker 2 (28:06):
There's my little pack of Zelmans. These mouth mints, which
are far more than a mint.
Speaker 1 (28:12):
They work not only in your mouth the MINTI part,
but also when the mint has gone from the capsule,
you swallow it or you bite into it, and the
parsley seed oil gets to work in your gut.
Speaker 2 (28:22):
I mean, this stuff really works.
Speaker 1 (28:24):
They are doing something that I have not seen before
with Zelman's. If you order a three pack, you will
get a bonus pack. In other words, order three, you
get another one for free, so four for.
Speaker 2 (28:37):
The price of three.
Speaker 1 (28:40):
And how you do that is you go to Zelmans
dot com z l m i n s dot com
slash handle Zelmans dot com slash handle z l m
i n s and you'll have a chance to use these.
And by the way, you order a three pack, you'll
get four, and you're gonna.
Speaker 2 (28:58):
Go through these. You'll order again. They are that good.
Speaker 1 (29:01):
Zelmans dot com slash handle This is handle on the
law
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